One Platform, From Onboarding to Every Transaction
One platform, one profile — built from what your stack cannot see today, enriched with the data your institution already collects. Real-time and unified, it powers every decision across the life cycle: fraud, underwriting, compliance, and onboarding.
Fraud
Stay one step ahead of the fraudster
Fraudsters learn your rules faster than you can rewrite them. By the time a pattern shows up in your system, the loss is already booked. Sign3 reads the signals fraudsters can't fake and flags them before the money moves.
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Onboarding
See the person, not just the paperwork
Approve genuine customers with confidence and stop the ones hiding behind clean documents. Identity proves the paperwork. Sign3 proves the intent, so you grow approvals without growing fraud.
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Credit risk
Approve more, without taking on more risk
Predict NPAs and first-payment defaults. Approve more thin-file borrowers with confidence. Sign3 delivers lift orthogonal to the bureau score, adding the most value on the NTC applicants CIBIL can't read.
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Compliance
Clear every case faster with a trail you can defend
The bottleneck in compliance isn't judgment, it's the hours of manual work before anyone can judge. Sign3 removes it with an AI agent that parses every request, pulls the records, builds the case, and prepares the filing, so your team spends its time deciding, not assembling, and every step is logged to defend.
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ScreenX decides who comes in. Cortex watches who's already inside. Escalation handles what happens when an account is flagged, by your policy, or by law enforcement.
ScreenXDecisions at the gate
Five intelligence modules. 3,000+ attributes per applicant. One real-time decision: safe, review, or decline. Fraud risk, credit risk, and underwriting fit calculated together, not in three separate queues.
Know more →CortexMonitoring inside
Continuous device, behavioural, and network signals on every active customer. A 60+ rule dynamic risk-scoring engine. Low risk passes frictionless. Medium steps up. High is blocked, before the first transfer clears.
Know more →EscalationWorking the flag
Case files assembled automatically with full signal trail, linked accounts, and external records. Law enforcement requests handled end to end. Freeze. Lien. Debit-freeze. Information requests. Full audit trail. Your nodal officer stops working a manual queue.
Know more →Five intelligence modules. 3,000+ attributes per applicant. One real-time decision: safe, review, or decline. Fraud risk, credit risk, and underwriting fit calculated together, not in three separate queues.
Know more →Continuous device, behavioural, and network signals on every active customer. A 60+ rule dynamic risk-scoring engine. Low risk passes frictionless. Medium steps up. High is blocked, before the first transfer clears.
Know more →Case files assembled automatically with full signal trail, linked accounts, and external records. Law enforcement requests handled end to end. Freeze. Lien. Debit-freeze. Information requests. Full audit trail. Your nodal officer stops working a manual queue.
Know more →The depth underneath the three products. Six intelligence modules running across all of them, always. This is what makes the signal trail consistent from onboarding to investigation.
A device cannot lie consistently. 100+ signals catch emulators, root access, app cloning, SIM-swap, tampering, VPN and proxy use before the first action.
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How a real person types is not what they type. Rhythm, touch pressure, mouse movement and sensor data matched to the user's own profile every session. Bots fail instantly. Account takeovers break within seconds.
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Six years on an email is hard to fake. So is its absence. 100+ platforms checked for tenure, depth and breach exposure. Synthetic identities have shallow histories. Sign3 finds the shallowness.
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Tampered documents, reused identities and spoofed images caught at upload, not at audit. A four-layer pipeline with Face Vault cross-screening every identity already in the system.
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Most platforms check if an address exists. Sign3 checks if it matches affluence claims, sits inside a known fraud cluster and whether the borrower is actually reachable there. 100m grid resolution, built for India.
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Bank-grade inbox categorisation with consent. Salary, EMI, spend and bounces structured for underwriting. The bureau-thin majority, finally readable.
Learn more →A device cannot lie consistently. 100+ signals catch emulators, root access, app cloning, SIM-swap, tampering, VPN and proxy use before the first action.
Learn more →Real outcomes from live deployments across banking, lending and credit cards.
73%
Money mules flagged at onboarding
3× better than legacy systems (banking client).
78%
Fraudsters in the riskiest 5%
Concentrated among the riskiest applicants (personal loan provider).
65%
NPAs in the riskiest 10%
Within the riskiest decile of users (credit cards client).
<200ms
p95 decisioning latency
Inclusive of network round-trip.
3,000+
Attributes per applicant
Resolved into a handful of explainable scores.
20+
Institutions in production
Banks, SFBs, NBFCs and fintechs.
A bank does not have a fintech's fraud problem. A lender does not have a marketplace's economics. Sign3 ships pre-tuned to each.
Banks & SFBsMule onboarding, account takeover, and RBI-mandated Early Warning Systems. One stack, audit-ready end to end.73% of money mules caught at onboarding for a leading Indian bank.
NBFCs & LendingFirst-payment default, synthetic identity, and bureau-thin underwriting. Approve more good borrowers. Decline the right ones before disbursement.16.85% pre-disbursement risk detection on an already-approved portfolio.
Fintechs & NeobanksPromo abuse, multi-accounting, mule formation. Caught at signup, not after the loss event.83% reduction in money mule account approvals at a leading Indian neobank.
E-Commerce & MarketplacesRefund fraud, fake reviews, policy abuse. Trust without the manual review burden.350% decrease in promo abuse at a leading gaming client.We'll score it, surface the fraud patterns your current stack missed, and walk you through what we found. Your data, our scoring. No commitment, no integration, no decision required until you've seen the result.